Easy-to-get credit cards for beginners

Instant online approval, seamless paperwork, and daily utility make some of credit cards more attractive than others. With that in mind, we bring you 10 easy-to-get and maintain credit cards available in India in 2023.

See also: Best credit cards for shopping in India in 2023

 

SBI SimplyCLICK Credit Card

Fee

Joining fee: Rs 499

Renewal fee: Rs 499, waived on annual spending of Rs 1 Lakh.

Features

• Amazon gift card of Rs 500 on joining.
• Rs 2,000 e-voucher each on reaching annual spending of Rs 1 Lakh and Rs 2 Lakh.
• One reward point for every Rs 100 spent on card.
• Five times more rewards when shopping online.
• 10 times more rewards when shopping online with partners, such as BookMyShow, Amazon, UrbanClap and Lenskart.
• 1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3,000.

 

Amazon Pay ICICI Bank Credit Cards

Fee

Joining fee: None

Renewal fee: None

Features

• No limit or expiry date on rewards earned using this card.
• 5% cashback on spend on Amazon India for Amazon Prime members.
• 3% cashback on spend on Amazon India for non-Amazon Prime members.
• 2% cashback on payments to partner merchants.
• 1% cashback on shopping, dining, travel, insurance, etc.
• 1% waiver on fuel surcharge every time you refuel.

 

Yatra SBI Credit Card

Fee

Annual fee: Rs 499

Renewal fee: Rs 499

Annual fee waived off if the total annual spending for the last year is over Rs 1 Lakh.

Features

• Welcome gift of Yatra.com vouchers worth Rs 8,250.
• Rs 1,000 off on domestic flight bookings on minimum transaction of Rs 5,000.
• Rs 4,000 off on international flight bookings on minimum transaction of Rs 40,000.
• 20% off on domestic hotels on minimum transaction of Rs 3,000, maximum discount of Rs 2,000.
• Complimentary air accident cover of Rs 50 Lakh valid for primary cardholder when ticket is booked via Yatra.com using the Yatra SBI Card.
• 1% fuel surcharge waiver across all petrol pumps in India.
• Maximum surcharge waiver of Rs 100 per month.

 

Flipkart Axis Bank Credit Card

Fee

Joining fee: Rs 500

Renewal fee: Rs 500

Features

• 5% cashback for Flipkart and Myntra.
• 1.5% cashback on other categories.
• Rs 1,100 worth joining benefits.
• Four complimentary domestic lounge visits every year.
• 4% cashback Cure.fit, Swiggy, PVR, Tata Sky, Cleartrip, Tata 1mg and Uber.
• 1% fuel surcharge waiver for transactions worth Rs 400 to Rs 4,000.

 

Lifestyle Home Centre SBI Card PRIME

Fee

Annual fee: Rs 2,999

Renewal fee: Rs 2,999

Features

• 12,000 reward points as welcome benefit worth Rs 3,000.
• 15 points on every Rs 100 spent at online and retail landmark stores.
• Milestone benefits worth Rs 14,500 annually.
• Eight complimentary visits per year to domestic airport lounges.
• Complimentary priority pass membership worth $99 and four complimentary visits per year limited to two visits per quarter.
• 1% fuel surcharge across all petrol pumps in India on transactions of Rs 500 – Rs 4,000.
• Earn 20,000 bonus points on overall annual retail spending of Rs 5 Lakh.
• 12,000 points worth Rs 3,000 on payment of renewal fees.

 

HSBC Cashback Credit Card

Fee

Joining fee: None

Annual fee: Rs 750 to be reversed if your total annual spending exceeds Rs 1 Lakh.  

Features

• Unlimited cashback on all transactions.
• 1.5% cashback on all online spending.
• 1% on all other spending.
• Two airport lounge access for domestic and international lounges or two meal vouchers worth Rs 400 at restaurants at airports.
• 20% discount on orders worth more than Rs 200 on Swiggy.

 

Citi Cash Back Credit Card

Fee

Joining fee: Rs 500

Annual fee: Rs 500

Features

• 5% cashback on telephone and utility bill payments, movie ticket purchases.
• 0.5% cashback on all other spending.
• Up to 15% savings across participating restaurants.

 

HDFC Bank Regalia Credit Card    

Fee

Annual fee: Rs 2,500

Renewal fee: Rs 2,500; waived if the total annual spending for the last year is over Rs 3 Lakh.

Features

• Bonus 10,000 reward points on Rs 5 Lakh spending and additional 5,000 reward points on Rs 8 Lakh spending in an anniversary year.
• Earn four reward points on every Rs 150 spent.
• 1% fuel surcharge waiver at all fuel stations across India.
• Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout at over 20,000 restaurants.
• 12 complimentary airport lounge access within India and six outside India.
• Accidental air death cover worth Rs 1 Crore.
• Emergency overseas hospitalization up to Rs 15 Lakh.
• Lost Card Liability Cover of up to Rs 9 Lakh.

 

Axis Bank Neo Credit Card  

Fee

Joining fee: Rs 250

Annual fee: Rs 250

Features

• Amazon gift of Rs 250 on first transaction.
• Welcome gift voucher of Rs 300 from BookMyShow.
• 10% off on every purchase of a movie ticket on BookMyShow; maximum monthly benefits of up to Rs 100.
• 10% off on shopping with Myntra on each instance with spending at least Rs 500.
• 40% off on Zomato on food delivery.
• 5% off on utility bill payments via Amazon Pay.
• 10% off on Blinkit on groceries.
• One reward point on every Rs 200 spent.
• Minimum 15% discount at partnered restaurants across India.

 

FAQs

What is a cashback credit card?

A credit card that helps you earn some cash back from money you spent is a cashback credit card. This card pays back a certain percentage of what you spend by way of reward points or additional benefits.

What if I exceed the limit on my credit card?

In that case, the bank will decide whether to approve the transaction.

Do all credit cards come with an annual and joining fee?

No, some credit cards come with an annual and joining fee while others don’t.

Can I withdraw cash from an ATM using my credit card?

Yes, you can withdraw cash from an ATM with your credit card.

What will happen if I fail to pay my credit card bill on time?

The credit card company will impose charges on your outstanding balance.

Do credit card companies charge joining fee to offer cards?

Yes, credit card companies charge joining fee to offer credit cards.

What's the difference between a credit card and a debit card?

A debit card lets you spend money from your bank account while a credit card allows you to use money you don't have.

Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com